Overall Rating: 4.2 / 5 (same as Pets Best — identical product)
Progressive pet insurance is underwritten and administered by Pets Best (owned by Synchrony Financial). When you purchase pet insurance through Progressive's website or app, you receive a Pets Best policy. The coverage terms, plan options, waiting periods, exclusions, and claims process are identical to buying directly through Pets Best. The difference — if any — is a small loyalty discount for existing Progressive auto or home insurance customers.
Progressive vs. Pets Best: Are They the Same?
| Feature | Progressive Pet Insurance | Pets Best (Direct) |
|---|---|---|
| Underwriter | Pets Best (Synchrony Financial) | Pets Best (Synchrony Financial) |
| Coverage terms | Identical | Identical |
| Waiting periods | Identical (3/14 days) | Identical (3/14 days) |
| Plan options | Same plans, same settings | Same plans, same settings |
| Claims process | Through Pets Best portal/app | Through Pets Best portal/app |
| Price | Same or slightly lower (loyalty discount) | Base market rate |
| Wellness add-ons | Available (EssentialWellness, BestWellness) | Available (same add-ons) |
Bottom line: There is no coverage benefit to buying through Progressive vs. Pets Best directly. The only potential financial benefit is a small loyalty discount for existing Progressive insurance customers.
Progressive Pet Insurance Plans and Pricing
| Plan | Starting Price (Dog) | Starting Price (Cat) | Coverage |
|---|---|---|---|
| Accident-Only | ~$15/mo | ~$9/mo | Injuries only |
| Accident and Illness | ~$24/mo | ~$15/mo | Full A+I coverage |
| Setting | Options |
|---|---|
| Annual deductible | $50, $100, $200, $250, $500, $1,000, $1,500, $2,000, $2,500 |
| Reimbursement rate | 70%, 80%, 90% |
| Annual limit | $5,000, $10,000, $15,000, $50,000, Unlimited |
| Waiting period (accident) | 3 days |
| Waiting period (illness) | 14 days |
| Waiting period (orthopedic) | 14 days |
What Progressive / Pets Best Covers
- Accidents and injuries from day 4
- Illnesses from day 15
- Hereditary and congenital conditions
- Cancer — surgery, chemo, radiation, diagnostics
- Dental illness — fractures, stomatitis, periodontal extraction
- Chronic conditions — diabetes, CKD, epilepsy, allergies
- Prescription medications for covered conditions
- Diagnostic imaging, specialist referrals, hospitalization
Progressive Loyalty Discount
Progressive customers who already hold auto, home, renters, or other Progressive insurance may receive a small loyalty discount on pet insurance — typically 5% or a flat discount at enrollment. This is not always prominently advertised but is worth asking about when getting a quote through Progressive.com.
If you are not a Progressive customer, there is no benefit to purchasing through Progressive vs. directly through PetsBest.com — you will receive the same policy at the same or higher price.
Progressive Dog Insurance and Cat Insurance
Progressive offers separate dog and cat insurance policies through its Pets Best partnership:
- Progressive dog insurance: Accident-only from $15/mo; A+I from $24/mo (medium mixed breed, standard settings)
- Progressive cat insurance: Accident-only from $9/mo; A+I from $15/mo (domestic shorthair, standard settings)
For most buyers, comparing the Progressive quote directly against PetsBest.com's quote for identical settings takes 5 minutes and tells you whether the loyalty discount is being applied.
EssentialWellness Add-On (Available Through Progressive)
The Pets Best EssentialWellness add-on ($16/month) is available when purchasing through Progressive:
- Spay/neuter: $150 reimbursement
- Annual wellness exam: $50
- Core vaccines: $40
- Flea/tick/heartworm prevention: $40
- Heartworm test: $25
Pros and Cons
| Pros | Cons |
|---|---|
| Convenient for existing Progressive insurance customers | No coverage advantage over buying directly from Pets Best |
| Potential loyalty discount for Progressive customers | No multi-pet discount offered by Pets Best |
| No extended orthopedic waiting period (14 days) | Not the cheapest A+I option (Lemonade, Spot are cheaper) |
| Best wellness add-on for spay/neuter coverage | No exam fee coverage in base plan |
| Military/first responder discount available | No direct vet payment option |
Frequently Asked Questions
Is Progressive pet insurance the same as Pets Best?
Yes — Progressive pet insurance is a Pets Best policy. Progressive acts as a distributor/marketing partner; Pets Best underwrites and administers the policy. Coverage terms, waiting periods, exclusions, plan options, and the claims process are 100% identical to purchasing directly through PetsBest.com.
Is Progressive pet insurance good?
Progressive pet insurance is as good as Pets Best, which is a solid mid-market provider with competitive A+I pricing, the best wellness add-on for spay/neuter coverage, and a military/first responder discount. For non-Progressive customers, buying directly through Pets Best or comparing against Spot and Lemonade (cheaper at identical settings) is recommended.
How much does Progressive pet insurance cost?
Progressive pet insurance starts at $9/month for cats and $15/month for dogs (accident-only); $15/month (cats) and $24/month (dogs) for accident and illness coverage. These prices are identical to Pets Best's direct pricing. Existing Progressive customers may receive a small loyalty discount.
What is the Progressive pet insurance waiting period?
3 days for accidents, 14 days for illness and orthopedic conditions. No extended orthopedic waiting period — the same as Pets Best direct. Hip dysplasia, IVDD, and CCL tears are covered after 14 days.